SAMA-Compliant National Payment Platform
KPay — 28 KSA Banking & Payment Services
A comprehensive financial platform aligned with Saudi Vision 2030, offering real Mada, SADAD, SARIE, and IPS payment rails with full regulatory compliance, AML/CFT monitoring, and PDPL data protection.
National Control Layer
SAMA compliance, regulatory framework, AML/CFT, cybersecurity, and consumer protection
AML Monitoring
Anti-Money Laundering alerts per SAMA AML/CFT rules — structuring, layering, smurfing detection with FIU/SAFIU escalation.
Fraud Detection
Real-time fraud case management — card-not-present, account takeover, identity theft, merchant fraud with evidence tracking.
Cybersecurity
Incident response and security controls — malware, phishing, data breach, DDoS with containment and resolution tracking.
KYC Verification
Know Your Customer with Absher/Nafath integration — basic, enhanced, and full KYC levels per SAMA tier requirements.
Consumer Protection
Consumer complaint management with 30-day SLA per SAMA rules — billing disputes, unauthorized transactions, service quality.
Data Privacy (PDPL)
Personal Data Protection Law compliance — access, rectification, erasure, restriction, portability, and objection requests.
Audit Trail
Immutable audit logs for all system actions — event tracking, IP address, user agent, and payload for full traceability.
Data Processing Records
PDPL transparency records — data purpose, legal basis, recipients, retention periods, and consent management.
Intelligence & Instant Analysis Layer
AI/ML-powered monitoring, Vision 2030 KPIs, anomaly detection, and real-time transaction intelligence
Analytics & Vision 2030
Vision 2030 financial sector KPIs — digital payment ratio, financial inclusion rate, fintech investment tracking.
Anomaly Alerts
AI/ML anomaly detection — velocity spikes, amount anomalies, frequency anomalies, geo anomalies, behavioral patterns.
Transaction Monitor
Real-time transaction monitoring across Mada, SADAD, SARIE, IPS, and SWIFT rails with full ISO 20022 data.
ISO 20022 Messages
Financial messaging standard — inbound/outbound message processing with validation and tracking per SAMA requirements.
Commercial Services & Financial Inclusion Layer
Wallet, payments, SADAD, remittance, Hajj, BNPL, loyalty, open banking, and developer sandbox
Wallet & Ledger
Digital wallet accounts with real-time balance ledger — top-up, transfer, withdraw with full transaction history.
QR Payments
QR code payments — static, dynamic, and EMVCO standards for merchant payments with instant settlement.
SADAD Billers
National bill payment system — utilities, telecom, government, education, insurance, healthcare, and Hajj/Umrah bills.
Remittance & FX
International remittance with SAMA-approved FX rates — corridors to PH, IN, PK, BD, EG, AE, GB, US with real-time tracking.
Hajj & Umrah Payments
Seasonal pilgrimage payment management — package payments, service fees, accommodation, and ritual services per season.
Loyalty Program
Rewards program with tiered membership — bronze, silver, gold, platinum — earn points per SAR spent with expiry management.
Chargebacks
Card payment dispute management — fraud, duplicate, merchandise not received, processing error with arbitration support.
BNPL Plans
Buy Now Pay Later installment plans — split purchases into manageable payments with automated installment tracking.
eKYC Verification
Electronic KYC via Nafath/Absher — national ID, Iqama, passport, GCC ID verification with video call and biometric options.
Open Banking
SAMA Open Banking framework — account info, payment initiation, balance check, and transaction history with TPP consent management.
Account Settings
Configure spending limits, contactless, online and international payments, SADAD autopay, and preferred language (AR/EN).
Notifications
Multi-channel notifications — push, SMS, email, in-app — with quiet hours, category filtering, and language preference.
WPS Payroll
Wages Protection System per MHRSD — payroll batch creation, salary line management, and MHRSD WPS portal submission.
Financial Institutions
Directory of SAMA-licensed banks and financial institutions — SWIFT/BIC codes, IBAN prefixes, and license verification.
Developer Sandbox
SAMA FinTech Lab sandbox — Explorer (free), Innovator (paid), and Partner (licensed) tiers with API key generation.
Notification Preferences
Granular notification control — toggle channels, set quiet hours, select categories, and choose notification language.
Built on KSA Financial Standards
SAMA
Mada
SADAD
SARIE
IPS
WPS
PDPL
ISO 20022
SWIFT GPI
Absher/Nafath
Vision 2030
AML/CFT
Experience the Future of KSA Payments
Download the KPay app to access all 28 banking and payment services from your mobile device.
